Lakeland Financial Corporation (LKFN) vs United Fire Group, Inc. (UFCS)
A side-by-side comparison of Lakeland Financial Corporation and United Fire Group, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — LKFN vs UFCS
growth of $100 · dividends reinvested · last 10yLKFN vs UFCS: by the numbers
- •LKFN is the larger company ($1.44B vs $1.41B market cap).
- •UFCS trades at the lower trailing earnings multiple (10.20 vs 13.30 P/E), one valuation lens rather than an overall verdict.
- •LKFN converts more revenue to profit (26.04% vs 9.57% net margin).
- •LKFN grew revenue faster over the past five years (13.42% vs 5.12% CAGR).
- •LKFN pays the higher dividend yield (3.53% vs 1.39%).
Metrics side by side
Valuation
| Metric | LKFN | UFCS |
|---|---|---|
| P/E ratio | 13.30 | 10.20 |
| Forward P/E | 13.24 | 11.02 |
| PEG ratio | 3.35 | N/A |
| P/S ratio | 3.38 | 0.96 |
| P/B ratio | 1.87 | 1.44 |
Profitability
| Metric | LKFN | UFCS |
|---|---|---|
| Operating margin | 31.81% | 12.01% |
| Net margin | 26.04% | 9.57% |
| ROE | 14.38% | 14.42% |
Lakeland Financial Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
United Fire Group, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | LKFN | UFCS |
|---|---|---|
| Dividend yield | 3.53% | 1.39% |
| Payout ratio | 47.25% | 14.13% |
Growth (annualized)
| Metric | LKFN | UFCS |
|---|---|---|
| Revenue CAGR (5Y) | 13.42% | 5.12% |
| EPS CAGR (5Y) | 3.96% | N/A |
| Total return CAGR (5Y) | -1.77% | 21.47% |
Frequently asked
- Which has the lower trailing P/E, LKFN or UFCS?
- UFCS has the lower trailing P/E: LKFN trades at 13.30 and UFCS at 10.20. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, LKFN or UFCS?
- Over the past five years, LKFN grew revenue faster — LKFN at a 13.42% CAGR versus UFCS at 5.12%.
- Does LKFN or UFCS pay a bigger dividend?
- LKFN yields 3.53% and UFCS yields 1.39% based on trailing dividends and the latest price.
- Is LKFN or UFCS more profitable?
- LKFN runs the higher net margin — LKFN at 26.04% versus UFCS at 9.57%.
- How have LKFN and UFCS total returns compared?
- Over the past 10 years, LKFN delivered 7.84% and UFCS delivered 5.28% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Lakeland Financial & United Fire appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.